How to Report Insurance Fraud to IRDAI Bima Bharosa?

If a policyholder encounters insurance fraud or any unfair practices such as policy mis-selling, they can report the matter on IRDAI’s Bima Bharosa platform. Policyholders can complain to their insurers under the grievance redressal system, and if the matter is not resolved, it can be taken up with the IRDAI for detailed examination.

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You can also file a fraud report to IRDAI through

Contact via email: complaints@irdai(dot)gov(dot)in
Or you can call IRDAI for further assistance on a toll-free number: 155255 or 1800 4254 732

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How Does Bima Bharosa Work?

Bima Bharosa is the online portal of IRDAI for the redressal of insurance-related grievances. It enables policyholders to lodge complaints, track their progress, and seek additional help if the matter remains unresolved.

Here is a brief explanation

Once an account is registered and a complaint filed, the information are immediately sent on to the relevant insurance carrier to resolve the problem. A unique reference number is established which will enable the complainant to track the development of the case. If the insurer’s response is not satisfactory, the matter can be escalated to the IRDAI for further examination. The tool also promotes transparency by consolidating all information and communication related to the grievance in one place.

How to File a Complaint Through the Bima Bharosa Portal?

Step 1: Log in to your IRDAI Bima Bharosa Portal Account.

For New users, you will have to provide basic data to register first

Step 2: Click on “Register Grievance” and choose the option for filing a new complaint.

Step 3: Provide correct information regarding your policy number, insurer’s name and

specifics of the incident. This incident could be a case of life insurance mis-selling, fraud or misleading promises by an agent.

Step 4: Include any supporting documents relevant to the fraud complaint, such as policy papers, emails, messages, call records or any other evidence.

Step 5: Submit the complaint and keep the reference number provided to you. You can use this reference number to check the status of your complaints online.

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When to File a Complaint?

In case the insurance company has not been fair to you or has not addressed policy issues, you can file a complaint via the Bima Bharosa platform.

Claim Delays or Denials: Complain when you feel your term insurance claim is denied or is still kept pending without any obvious reason.
No Response to Complaint: If the insurer fails to respond to your complaint or dispute within the prescribed time, then the policyholders can file a complaint on the Bima Bharosa platform.
Wrong policy information: If you were given wrong, incomplete or misleading information about your policy.
Insurance Policy Mis-selling: You were sold a policy that did not meet your needs, or an agent or insurer made false promises.
Unfair Costs or Practices: You observe the insurer's use of concealed terms, excessive charges, or any other form of unjust treatment.

After you file a complaint, it is sent to the relevant insurer for evaluation and resolution. You may check the status at the portal by entering your reference number. If you are not satisfied then you may take it up with the Insurance Ombudsman.

Wrapping It Up!

To address insurance-related complaints, Bima Bharosa offers an open forum supported by the relevant authorities. In this way, it helps ensure that policyholders' concerns are handled fairly and expediently.

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FAQ's

Q: How to complain to IRDAI against an insurance company?

A: First you have to register a complaint to your insurance company. If the same is not resolved then you can escalate it through the IRDAI Bima Bharosa site along with the necessary papers.
Q: How do I register a complaint with Bima Bharosa Platform?

A: You need to first contact your insurer before you sign-in to the Bima Bharosa site where you can submit the details of your complaint and upload any documentation that may be required.
Q: Where to complain against insurance fraud?

A: You have the option of filing a complaint about insurance fraud with your insurer, the IRDAI Bima Bharosa site, or the Insurance Ombudsman for the purpose of having concerns resolved.
Q: How do you get your money back from Bima?

A: In order to obtain the authorised reimbursement, you must first contact the claims team, then provide the needed papers, and then wait for the claim to be verified.
Q: What is the most common fraud in insurance?

A: The most common fraud that occurs is known as soft fraud, and it involves making false promises or providing misleading information.
Q. What to do if the insurance company won’t pay out?

If your insurer rejects a claim, ask for the reason in writing, review your policy terms, submit any missing documents, and file an appeal if necessary. If the issue remains unresolved, you can escalate it to the insurance ombudsman or the relevant insurance regulator.
Q. Which insurance company denies the most claims?

No insurer is officially recognized as denying the most claims. Claim settlement performance varies by company and product, so it is advisable to compare claim settlement ratios, policy terms, and customer reviews before purchasing insurance.

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Author's Bio

Varun Agarwal IRDAI Certified Term Insurance Expert with 10+ Years of Experience

Varun has spent years in the insurance space, but what drives him isn't policies or premiums — it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late.
These stories stay with him. As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step. That's exactly what Policybazaar's term insurance is built to do. In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for."

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.